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(Over the years, for example, the return for reinsurance investors associated with Lloyds has rarely fallen below a hundred per cent.) For this reason, by 1981 asbestos-product-liability litigation was seen as threatening to undermine the whole insurance enterprisea rickety edifice at best, whose structural integrity, like the schemes of Ponzi and the periodic chain letters that have been his legacy, apparently depended on the maintenance of unlimited confidence that, if worst came to worst, the risk could be passed on and on, until money would somehow be found to pay for the losses

Calls often cost several dollars per minute, so using one usually meant you had something important to say